Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. vs Desert Rivers Federal Credit Union
Metric by metric
| Measure | Zions Bancorporation, N.A. | Desert Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 50 |
| Capital cushion | 44 (stronger) | 34 |
| Loan quality | 84 (stronger) | 55 |
| Earnings | 82 (stronger) | 40 |
| Funding & liquidity | 45 | 70 (stronger) |
| Problem-loan coverage | 93 (stronger) | 74 |
| Peer percentile | 63rd | 6th |
| Total assets | $89.0B | $116.7M |
| Deposits / shares | $76.6B | $106.4M |
| Capital ratio | 9.43% (stronger) | 8.44% |
| Problem loans | 0.47% (stronger) | 1.34% |
| Net charge-offs | 0.04% (stronger) | 0.77% |
| Return on assets | 1.55% (stronger) | 0.51% |
| Loans ÷ deposits | 80.8% (stronger) | 90.7% |
| Uninsured deposits | 46.2% | 2.1% (stronger) |
| Offices | 407 | 2 |
| CFPB complaints (3 yrs) | 363 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Zions Bancorporation, N.A. has the higher TellerScore (67 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Zions Bancorporation, N.A. leads on 6 and Desert Rivers Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Blanding, UT
- Moab, UT